WF (Woori Financial Group) Moat Score: 5/10 (As of Jun. 27, 2026)


WF Woori Financial Group Inc WF
60 GF Score
Price $56.40
GF Value $33.08
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Woori Financial Group Moat Score?

Woori Financial Group WF -1.67% 60 Moat Score is 5 as of Jun. 27, 2026. GuruFocus rates WF with a GF Score™ of 60/100 and a GF Value™ of $33.08 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,610 Banks companies, Woori Financial Group ranks better than 93.98% on this metric.

Woori Financial Group has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Woori Financial Group has Narrow Moat: Woori Financial Group Inc benefits from a solid brand and customer loyalty in the financial sector. It has some regulatory barriers and network effects, but lacks the strong cost advantages or intellectual property needed for a wider moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Woori Financial Group might have Narrow Moat - Solid narrow moat.

Woori Financial Group  (NYSE:WF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Woori Financial Group Moat Score Related Terms

Woori Financial Group Moat Score Competitor Comparison

For the Banks - Regional subindustry, Woori Financial Group's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Woori Financial Group Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Woori Financial Group's Moat Score distribution charts can be found below:

* The bar in red indicates where Woori Financial Group's Moat Score falls into.


WF
60GF Score
Woori Financial Group Inc WF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Woori Financial Group (WF) has a Moat Score of 5 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Woori Financial Group ranks #97 out of 1610 companies in the Banks industry, placing it in the top 6%.
Is Woori Financial Group's Moat Score too high?
Woori Financial Group's current Moat Score is 5. Based on the distribution chart, Woori Financial Group ranks #97 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Woori Financial Group has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woori Financial Group's Moat Score compare to competitors?
According to the Banks industry distribution chart, Woori Financial Group ranks #97 out of 1610 companies for Moat Score. This places Woori Financial Group in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Woori Financial Group's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woori Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Woori Financial Group (WF) is currently considered Significantly Overvalued. The stock's GF Value™ is $33.08, compared to a current price of $56.40 — trading 70.5% above its estimated fair value. The current Moat Score is 5. Woori Financial Group's overall GF Score™ is 60/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Woori Financial Group (WF), the current Moat Score is 5 as of Jun. 27, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Woori Financial Group (WF) Overvalued in 2026?

Based on GuruFocus' analysis, Woori Financial Group stock appears to be overvalued. The current stock price of $56.40 is trading 70.5% above its estimated GF Value™ of $33.08. GuruFocus considers Woori Financial Group to be Significantly Overvalued.

Key valuation signals for WF:

  • Moat Score: 5
  • GF Value™: $33.08 vs. price of $56.40 (70.5% above fair value)
  • GF Score™: 60/100 with 1 warning sign

No single metric tells the full story. See the WF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Woori Financial Group Business Description

Other Exchanges 316140:Korea2WGA:Germany
Address 51, Sogong-ro, Jung-gu, Seoul, KOR, 04632
Woori Financial Group Inc is a banking and financial services holding company that offers a wide range of businesses, including corporate banking, consumer banking, credit card operations, investment banking, capital markets activities, international banking, asset management, life insurance, and other businesses. It provides products and services to customers, which mainly comprise small- and medium-sized enterprises and individuals, as well as some of Korea's corporations. It has six operational business segments: banking, life insurance, credit card, capital, investment securities, and other operations.
60GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$56.40
Price
$33.08
GF Value